Advertisement
Exchange State Bank
Ames, IA · FDIC Certificate #10132 · Chartered 01/0
Total assets
$145.97M
Total deposits
$117.49M
Total equity
$15.60M
Net loans
$121.46M
Branches (offices)
3
Net income (YTD)
$1.44M
Rank: #3,339 of 4,213 U.S. banks by assets · #167 of 225 in Iowa. Assets changed 5.8% and deposits 7.0% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.97% |
| Return on equity | 19.16% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 10.69% |
| Tier 1 leverage ratio | 11.17% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 1.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 103.4% |
| Real estate loans (share of loans) | 68.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.82M | 68.2% | |
| Commercial & industrial | $11.88M | 9.8% | |
| Consumer / individual | $1.27M | 1.0% | |
| Construction & development | $3.41M | 2.8% | |
| Agricultural | $23.51M | 19.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $144.64M | $123.49M | -$291.00K | $10.50M |
| Jun 2023 | $135.04M | $114.00M | $1.24M | $12.21M |
| Jun 2024 | $135.61M | $105.58M | $1.20M | $13.19M |
| Jun 2025 | $137.94M | $109.78M | $1.26M | $14.07M |
| Jun 2026 | $145.97M | $117.49M | $1.44M | $15.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $117.49M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $117.49M.
Similar-sized banks
The Merchants & Citizens Bank ($145.99M) · Jonesburg State Bank ($145.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement